| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SKYLINE TERRACE LLC3 Filed as: SKYLINE TERRACE, LLC | 1246 SOUTH THIRD STREET LOUISVILLE, KY 40203 | ANTHEM HEALTH PLANS OF KY, INC. | $21K | $5K | $26K | 2.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | ANTHEM HEALTH PLANS OF KY, INC. | $17K | $0 | $17K | 1.88% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE, LLC | 1246 SOUTH THIRD STREET LOUISVILLE, KY 40203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $589 | $11K | 17.54% |
| WATCHTOWER BENEFITS, LLC3 | 2734 NORTH MILDRED AVENUE, SUITE 3 CHICAGO, IL 60618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $417 | $0 | $417 | 0.64% |
| UNKNOWN3 | UNKNOWN LOUISVILLE, KY 40299 | TELADOC HEALTH, INC. | $2K | $0 | $2K | 14.43% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 304 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KY, INC. | 234 | $911K |
| Dental | ANTHEM HEALTH PLANS OF KY, INC. | 234 | $911K |
| Vision | ANTHEM HEALTH PLANS OF KY, INC. | 234 | $911K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 313 | $65K |
| Prescription drug | ANTHEM HEALTH PLANS OF KY, INC. | 234 | $911K |
| Other(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF KY, INC. | 313 | $991K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.